Dlouhodobý úvěr je půjčka od banky, nebo nebankovní instituce, kterou klient splácí několik let. Jedná se většinou o období splácení delší než 4 roky. Úvěry se splatností mezi jedním rokem a čtyřmi lety spadají do kategorie střednědobých úvěrů.Peněžní úvěry – skutečné poskytnutí peněz, i když nejčastěji v bezhotovostní podobě.
Kontokorentní úvěr. Provozní úvěr. Investiční úvěr. Eskontní úvěr. Hypotéční úvěr. Spotřebitelský úvěr. Krátkodobý úvěr je úvěr, který se sjednává na dobu kratší než 1 rok a obvykle se využívá k překonání dočasného nedostatku peněz. Nabízí je jak bankovní, tak nebankovní instituce. Mezi krátkodobé úvěry patří například kontokorentní úvěr nebo mikropůjčka.
Jak Zauctovat dlouhodoby úvěr : Dlouhodobým úvěrem se rozumí úvěr se splatností nad jeden rok. Pro účtování dlouhodobých úvěrů je určen účet 461 – Dlouhodobé závazky k úvěrovým institucím ze stejnojmenné účtové skupiny 46.
Který úvěr lze čerpat opakovaně .wDYxhc{clear:both}.cUnQKe .wDYxhc,.related-question-pair .wDYxhc,.M8OgIe .fm06If .wDYxhc{clear:none}html .dG2XIf .xpdclose .LKPcQc,html .dG2XIf .xpdopen .viOShc{padding-top:0;}.garHBe{color:var(–COEmY);font-size:20px;line-height:1.3;position:relative}.garHBe a{color:var(–COEmY)}.xpdopen .Hhmu2e{overflow:inherit}.xpdclose .a84NUc:not(:empty),.xpdopen .CQKTwc:not(:empty){border-top:solid 1px #ebebeb;border-radius:0}.xpdclose .pmYXee .a84NUc:not(:empty),.xpdopen .pmYXee .CQKTwc:not(:empty){border-top:none}.cAn2Qb .a84NUc:not(:empty),.cAn2Qb .CQKTwc:not(:empty){border-top:none}.SHa8ve{display:none}.xpdclose .TOfaBb.SHa8ve,.xpdopen .LL5J7d.SHa8ve{display:block}.rKR6H{padding-top:0.1px}.xpdclose .oHglmf,.xpdopen .xzPb7d{padding-bottom:16px}.xpdclose .kp-header .oHglmf,.xpdopen .kp-header .xzPb7d{padding-bottom:0}.c2xzTb .xpdclose .oHglmf,.c2xzTb .xpdopen .xzPb7d{padding-bottom:0}.HSryR .xpdclose .oHglmf,.HSryR .xpdopen .xzPb7d{padding-bottom:0}.Wnoohf 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Sans,arial,sans-serif-medium,sans-serif;font-size:14px;line-height:20px;padding-right:20px;text-align:center;white-space:nowrap}.xv1D5b{display:block;padding:0 8px 0 12px;width:18px;height:18px}.LGOjhe{overflow:hidden;padding-bottom:20px}.trNcde .LGOjhe{overflow:visible}.SALvLe .LGOjhe,.Jb0Zif .LGOjhe,.HSryR .LGOjhe,.IVvPP .LGOjhe{padding:0 0 10px;margin:10px 0 0 0}.s6JM6d .SALvLe .LGOjhe{margin-top:12px;}.s6JM6d .HSryR .LGOjhe{margin-top:12px;padding-bottom:20px}#res .Jb0Zif .qDOt0b h3,.IVvPP .qDOt0b h3{font-size:16px;line-height:1.375}.Jb0Zif .qDOt0b .iUh30,.IVvPP .qDOt0b .iUh30{font-size:14px;line-height:1.58}.IVvPP .qDOt0b{border-bottom:1px solid var(–gS5jXb);padding-bottom:6px}.rjOVwe.ILfuVd{font-size:16px;line-height:20px}.dG2XIf .rjOVwe{padding-top:22px;padding-bottom:0;margin-bottom:1px}.xWd7I{padding-top:12px;}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{font-size:14px;line-height:22px}.n6SJS .ILfuVd{font-size:14px}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{line-height:20px}.xpd-wa .g-blk{margin:initial}.xpd-wa .dG2XIf{border:initial;box-shadow:none}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-family:Google Sans,arial,sans-serif;color:var(–YLNNHc)}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-size:20px;line-height:28px}.cUnQKe .ILfuVd,.cUnQKe .UiGGAb.ILfuVd,.w5mTAe .ILfuVd,.W0urI .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:16px;line-height:24px}.fm06If .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.c2xzTb .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:#d3e3fd;color:#040c28;font-weight:500}@media (forced-colors:active){.fm06If .ILfuVd b,.c2xzTb .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:Mark;color:MarkText}}.IiOSLb .rsGxI.Ww4FFb,.Ww4FFb{background-color:var(–xhUGwc);border-radius:0px;border-width:0;box-shadow:none}.Ww4FFb .mnr-c:not(:empty),.mnr-c:not(:empty) .Ww4FFb,.Ww4FFb .Ww4FFb{box-shadow:none;margin-bottom:0px}.vt6azd{margin:0px 0px 8px}.vt6azd{margin:0px 0px 30px}.CBvvz{margin:-var(–sds-sys-measurement–space-sm) 0px 0px}.CBvvz{margin:-30px 0px 0px} Revolvingový úvěr je typem krátkodobého spotřebitelského úvěru, který se automaticky obnovuje bez předchozího opětovného sjednání. U revolvingových úvěrů dostanete stálou finanční rezervu, kterou můžete čerpat až do výše předem dané částky. 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V kolika letech je možné získat úvěr : .wDYxhc{clear:both}.cUnQKe .wDYxhc,.related-question-pair .wDYxhc,.M8OgIe .fm06If .wDYxhc{clear:none}html .dG2XIf .xpdclose .LKPcQc,html .dG2XIf .xpdopen .viOShc{padding-top:0;}.garHBe{color:var(–COEmY);font-size:20px;line-height:1.3;position:relative}.garHBe a{color:var(–COEmY)}.xpdopen .Hhmu2e{overflow:inherit}.xpdclose .a84NUc:not(:empty),.xpdopen .CQKTwc:not(:empty){border-top:solid 1px #ebebeb;border-radius:0}.xpdclose .pmYXee .a84NUc:not(:empty),.xpdopen .pmYXee .CQKTwc:not(:empty){border-top:none}.cAn2Qb .a84NUc:not(:empty),.cAn2Qb .CQKTwc:not(:empty){border-top:none}.SHa8ve{display:none}.xpdclose .TOfaBb.SHa8ve,.xpdopen .LL5J7d.SHa8ve{display:block}.rKR6H{padding-top:0.1px}.xpdclose .oHglmf,.xpdopen .xzPb7d{padding-bottom:16px}.xpdclose .kp-header .oHglmf,.xpdopen .kp-header .xzPb7d{padding-bottom:0}.c2xzTb .xpdclose .oHglmf,.c2xzTb .xpdopen .xzPb7d{padding-bottom:0}.HSryR .xpdclose .oHglmf,.HSryR .xpdopen .xzPb7d{padding-bottom:0}.Wnoohf .xpdopen .yp1CPe,.OJXvsb .xpdclose .siXlze{padding-bottom:16px}.Wnoohf .xpdopen .yp1CPe .xpdbox g-more-link{top:28px}.Wnoohf .xpdclose .wDYxhc.xsZWvb,.Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}.OJXvsb .xpdclose .wDYxhc.siXlze{padding-bottom:16px}#rhs .dG2XIf .xpdclose .LKPcQc,#rhs .dG2XIf .xpdopen .viOShc{padding-top:0}#rhs .Wnoohf .xpdopen .yp1CPe,#rhs .OJXvsb .xpdclose .siXlze{padding-bottom:15px}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb.ecRggb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh.ecRggb,#rhs .dG2XIf .ecRggb{padding-bottom:15px}.ecRggb{background-color:#fff;box-shadow:none;border:1px solid #dadce0;border-radius:8px;margin:0 0 16px 0}.Jb0Zif .UiGGAb.ILfuVd,.ILfuVd{font-size:16px;line-height:24px;}.fm06If .ILfuVd.NA6bn,.c2xzTb .ILfuVd.duSGDe,.c2xzTb .ILfuVd.NA6bn.c3biWd{font-size:14px;line-height:1.58;}.c2xzTb .zloOqf{font-size:16px;margin-bottom:16px;margin-top:-8px;}.FLWspc{margin:16px}.LFYdN{font-size:16px;margin:16px}.trNcde .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:14px;line-height:22px}.HSryR .ILfuVd{line-height:1.5}.ss6qqb .ILfuVd,.ss6qqb .UiGGAb.ILfuVd{font-size:14px;line-height:22px}.c2xzTb .qLYAZd{margin:16px 16px 16px 0;}.d9FyLd{padding:0 0 10px}.hgKElc{padding:0 8px 0 0}.kX21rb{font-size:12px;line-height:1.34;display:inline-block;font-family:Google Sans,arial,sans-serif;padding-right:0;white-space:nowrap}.SPV4pd{display:flex;overflow-x:auto}.SPV4pd::-webkit-scrollbar{display:none}.Vjskue{margin-left:8px}.JT9o0,.ZnIJV{align-items:center;border:1px solid var(–mXZkqc);border-radius:16px;box-sizing:border-box;color:#1a73e8;cursor:pointer;display:flex;height:32px;margin-bottom:16px}.BkHX0d{font-family:Google Sans,arial,sans-serif-medium,sans-serif;font-size:14px;line-height:20px;padding-right:20px;text-align:center;white-space:nowrap}.xv1D5b{display:block;padding:0 8px 0 12px;width:18px;height:18px}.LGOjhe{overflow:hidden;padding-bottom:20px}.trNcde .LGOjhe{overflow:visible}.SALvLe .LGOjhe,.Jb0Zif .LGOjhe,.HSryR .LGOjhe,.IVvPP .LGOjhe{padding:0 0 10px;margin:10px 0 0 0}.s6JM6d .SALvLe .LGOjhe{margin-top:12px;}.s6JM6d .HSryR .LGOjhe{margin-top:12px;padding-bottom:20px}#res .Jb0Zif .qDOt0b h3,.IVvPP .qDOt0b h3{font-size:16px;line-height:1.375}.Jb0Zif .qDOt0b .iUh30,.IVvPP .qDOt0b .iUh30{font-size:14px;line-height:1.58}.IVvPP .qDOt0b{border-bottom:1px solid var(–gS5jXb);padding-bottom:6px}.rjOVwe.ILfuVd{font-size:16px;line-height:20px}.dG2XIf .rjOVwe{padding-top:22px;padding-bottom:0;margin-bottom:1px}.xWd7I{padding-top:12px;}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{font-size:14px;line-height:22px}.n6SJS .ILfuVd{font-size:14px}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{line-height:20px}.xpd-wa .g-blk{margin:initial}.xpd-wa .dG2XIf{border:initial;box-shadow:none}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-family:Google Sans,arial,sans-serif;color:var(–YLNNHc)}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-size:20px;line-height:28px}.cUnQKe .ILfuVd,.cUnQKe .UiGGAb.ILfuVd,.w5mTAe .ILfuVd,.W0urI .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:16px;line-height:24px}.fm06If .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.c2xzTb .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:#d3e3fd;color:#040c28;font-we ight:500}@media (forced-colors:active){.fm06If .ILfuVd b,.c2xzTb .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:Mark;color:MarkText}} Faktorů ovlivňujících schválení půjčky je mnoho
Poskytovatele, u něhož se rozhodnete zažádat o půjčku, bude nejvíce zajímat vaše způsobilost ke splácení úvěru. Žadatelem o půjčku musí být osoba starší 18 let, která zároveň musí mít stálý zdroj příjmu a musí mít české občanství/trvalý pobyt v ČR. .vBnbff .mO5MMe{padding-top:10px}.cUnQKe .vBnbff .mO5MMe{padding-left:0;}.trNcde .vBnbff .mO5MMe{padding:10px 0 0 0}.cAn2Qb.abzPbc .mnr-c{max-width:calc(100% – 162px)}.tF2Cxc{position:relative}.Jb0Zif .BDNLRc{margin:16px 16px -11px}.RUXr2d{display:inline}.MTB56{margin-right:12px;vertical-align:middle}.Pthbuf{display:flex;align-items:center}.m164Nd{vertical-align:middle;display:inline-block}.qpGQpf{clear:both;padding-top:6px}.aCOpRe{line-height:1.58;word-wrap:break-word}.aCOpRe sup{line-height:0.9}.yuRUbf{font-weight:normal;font-size:small;line-height:1.58;}.IsZvec{max-width:48em;color:#4d5156;line-height:1.58}.uo4vr{color:var(–IXoxUe);line-height:1.58}.IjZ7ze{display:inline-block;color:var(–IXoxUe);font-size:12px;line-height:1.34;white-space:nowrap}.FyYA1e{margin:5px 0}a:hover h3.LC20lb{text-decoration:underline}.M8OgIe .dG2XIf .fm06If .LC20lb,.n6SJS h3.LC20lb{overflow:hidden;text-overflow:ellipsis;white-space:nowrap;width:100%}.LC20lb{display:inline-block;line-height:1.3;margin-bottom:3px;}.c2xzTb .LC20lb{margin-bottom:0}.MMgsKf{padding-top:2px}.DKV0Md{padding-top:4px;padding-top:5px;}.Z3xoIb{padding-top:27px;padding-top:28px;}.NXKJM{display:-webkit-box;overflow:hidden;-webkit-box-orient:vertical;-webkit-line-clamp:1}.hceuRc{-webkit-box-orient:vertical;display:-webkit-box;-webkit-line-clamp:2;overflow:hidden}.fzBvHb{font-weight:700}.DKV0Md,.Z3xoIb{margin-top:18px;}.xvfwl{margin-top:4px}.q0vns a.fl{font-size:12px}.TQc1id .qLRx3b{font-size:14px;line-height:1.58}.HGLrXd{display:inline-block;-webkit-text-size-adjust:none}.q0vns{display:inline-block;padding-bottom:2px;padding-top:1px}.NJjxre{position:absolute;left:0;top:0;width:100%}.M8OgIe .VWCdhc.Mjve0e .q0vns{width:max-content}.VjDLd .TieM1d .tjvcx,.IVvPP .tjvcx,.kno-kp .tjvcx,.VjDLd .kp-wholepage-osrp .tjvcx,#rhs .ss6qqb .tjvcx,#rhs .trNcde .tjvcx{display:inline-block;height:19px;overflow-y:hidden}.ojE3Fb{padding:0;padding-bottom:0;}.ojE3Fb .q0vns{display:flex;overflow:hidden;padding:0;padding-bottom:0;align-items:center;}.ojE3Fb .q0vns a.fl{padding-top:0;font-size:12px;line-height:18px;}.GvPZzd{font-size:12px;line-height:18px;}.dTxz9{padding-right:38px}.iG7WGe{color:#202124;padding:0;text-align:center;width:16px}.VuuXrf{color:#202124;font-size:14px;display:block;line-height:20px;white-space:nowrap;}.qncq2c{font-size:12px;line-height:16px;margin-left:6px}.CA5RN{overflow:hidden}.K2VDSb{display:flex;flex-direction:row}.H9lube{background-color:#f1f3f4;border:1px solid #dadce0;border-radius:50%;display:inline-flex;justify-content:center;align-items:center;height:26px;width:26px;margin-right:12px;flex-shrink:0;vertical-align:middle;}.fJOpI.H9lube{background-color:#e2eeff;border:1px solid #e2eeff}.P1UpZb{background-color:#f1f3f4;border:1px solid #ecedef}.eqA2re.NjwKYd{margin-right:0}.Vwoesf:not(.oRVWZ){display:inline-block}.Vwoesf{vertical-align:middle}.XNo5Ab.XNo5Ab{display:block;}.lWlVCe{border-radius:50%}.bJVp8c{color:#0060f0}.Jj3Uob{color:#0060f0;}.ob9lvb{color:#4d5156}.ob9lvb.HCMUuf{color:var(–IXoxUe)}.ylgVCe{color:#4d5156}.B6fmyf{position:absolute;top:0;height:0;visibility:hidden;white-space:nowrap;width:100%}.B6fmyf.Mg1HEd{height:auto}.ljeAnf{display:-webkit-box;overflow:hidden;-webkit-box-orient:vertical}
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nachází se na území ČR a je zapsaná v Katastru nemovitostí. 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b{background-color:#d3e3fd;color:#040c28;font-weight:500}@media (forced-colors:active){.fm06If .ILfuVd b,.c2xzTb .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:Mark;color:MarkText}}.IiOSLb .rsGxI.Ww4FFb,.Ww4FFb{background-color:var(–xhUGwc);border-radius:0px;border-width:0;box-shadow:none}.Ww4FFb .mnr-c:not(:empty),.mnr-c:not(:empty) .Ww4FFb,.Ww4FFb .Ww4FFb{box-shadow:none;margin-bottom:0px}.vt6azd{margin:0px 0px 8px}.vt6azd{margin:0px 0px 30px}.CBvvz{margin:-var(–sds-sys-measurement–space-sm) 0px 0px}.CBvvz{margin:-30px 0px 0px} Půjčka na exekuci je doménou výlučně nebankovních společností. 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Revolving je úvěr, díky kterému máte k dispozici určité množství peněz na nenadálé výdaje – a to prakticky okamžitě. Můžete je využít podle potřeby a pak je zase bezplatně splatit, čímž se vám limit opět navýší. Tento úvěr můžete čerpat stále dokola, aniž byste museli žádat o novou půjčku. .vBnbff .mO5MMe{padding-top:10px}.cUnQKe .vBnbff .mO5MMe{padding-left:0;}.trNcde .vBnbff .mO5MMe{padding:10px 0 0 0}.cAn2Qb.abzPbc .mnr-c{max-width:calc(100% – 162px)}.tF2Cxc{position:relative}.Jb0Zif .BDNLRc{margin:16px 16px -11px}.RUXr2d{display:inline}.MTB56{margin-right:12px;vertical-align:middle}.Pthbuf{display:flex;align-items:center}.m164Nd{vertical-align:middle;display:inline-block}.qpGQpf{clear:both;padding-top:6px}.aCOpRe{line-height:1.58;word-wrap:break-word}.aCOpRe sup{line-height:0.9}.yuRUbf{font-weight:normal;font-size:small;line-height:1.58;}.IsZvec{max-width:48em;color:#4d5156;line-height:1.58}.uo4vr{color:var(–IXoxUe);line-height:1.58}.IjZ7ze{display:inline-block;color:var(–IXoxUe);font-size:12px;line-height:1.34;white-space:nowrap}.FyYA1e{margin:5px 0}a:hover h3.LC20lb{text-decoration:underline}.M8OgIe .dG2XIf .fm06If .LC20lb,.n6SJS h3.LC20lb{overflow:hidden;text-overflow:ellipsis;white-space:nowrap;width:100%}.LC20lb{display:inline-block;line-height:1.3;margin-bottom:3px;}.c2xzTb .LC20lb{margin-bottom:0}.MMgsKf{padding-top:2px}.DKV0Md{padding-top:4px;padding-top:5px;}.Z3xoIb{padding-top:27px;padding-top:28px;}.NXKJM{display:-webkit-box;overflow:hidden;-webkit-box-orient:vertical;-webkit-line-clamp:1}.hceuRc{-webkit-box-orient:vertical;display:-webkit-box;-webkit-line-clamp:2;overflow:hidden}.fzBvHb{font-weight:700}.DKV0Md,.Z3xoIb{margin-top:18px;}.xvfwl{margin-top:4px}.q0vns a.fl{font-size:12px}.TQc1id .qLRx3b{font-size:14px;line-height:1.58}.HGLrXd{display:inline-block;-webkit-text-size-adjust:none}.q0vns{display:inline-block;padding-bottom:2px;padding-top:1px}.NJjxre{position:absolute;left:0;top:0;width:100%}.M8OgIe .VWCdhc.Mjve0e .q0vns{width:max-content}.VjDLd .TieM1d .tjvcx,.IVvPP .tjvcx,.kno-kp .tjvcx,.VjDLd .kp-wholepage-osrp .tjvcx,#rhs .ss6qqb .tjvcx,#rhs .trNcde .tjvcx{display:inline-block;height:19px;overflow-y:hidden}.ojE3Fb{padding:0;padding-bottom:0;}.ojE3Fb .q0vns{display:flex;overflow:hidden;padding:0;padding-bottom:0;align-items:center;}.ojE3Fb .q0vns a.fl{padding-top:0;font-size:12px;line-height:18px;}.GvPZzd{font-size:12px;line-height:18px;}.dTxz9{padding-right:38px}.iG7WGe{color:#202124;padding:0;text-align:center;width:16px}.VuuXrf{color:#202124;font-size:14px;display:block;line-height:20px;white-space:nowrap;}.qncq2c{font-size:12px;line-height:16px;margin-left:6px}.CA5RN{overflow:hidden}.K2VDSb{display:flex;flex-direction:row}.H9lube{background-color:#f1f3f4;border:1px solid #dadce0;border-radius:50%;display:inline-flex;justify-content:center;align-items:center;height:26px;width:26px;margin-right:12px;flex-shrink:0;vertical-align:middle;}.fJOpI.H9lube{background-color:#e2eeff;border:1px solid #e2eeff}.P1UpZb{background-color:#f1f3f4;border:1px solid #ecedef}.eqA2re.NjwKYd{margin-right:0}.Vwoesf:not(.oRVWZ){display:inline-block}.Vwoesf{vertical-align:middle}.XNo5Ab.XNo5Ab{display:block;}.lWlVCe{border-radius:50%}.bJVp8c{color:#0060f0}.Jj3Uob{color:#0060f0;}.ob9lvb{color:#4d5156}.ob9lvb.HCMUuf{color:var(–IXoxUe)}.ylgVCe{color:#4d5156}.B6fmyf{position:absolute;top:0;height:0;visibility:hidden;white-space:nowrap;width:100%}.B6fmyf.Mg1HEd{height:auto}.ljeAnf{display:-webkit-box;overflow:hidden;-webkit-box-orient:vertical}
Na co si dát pozor při úvěru : .wDYxhc{clear:both}.cUnQKe .wDYxhc,.related-question-pair .wDYxhc,.M8OgIe .fm06If .wDYxhc{clear:none}html .dG2XIf .xpdclose .LKPcQc,html .dG2XIf .xpdopen .viOShc{padding-top:0;}.garHBe{color:var(–COEmY);font-size:20px;line-height:1.3;position:relative}.garHBe a{color:var(–COEmY)}.xpdopen .Hhmu2e{overflow:inherit}.xpdclose .a84NUc:not(:empty),.xpdopen .CQKTwc:not(:empty){border-top:solid 1px #ebebeb;border-radius:0}.xpdclose .pmYXee .a84NUc:not(:empty),.xpdopen .pmYXee .CQKTwc:not(:empty){border-top:none}.cAn2Qb .a84NUc:not(:empty),.cAn2Qb .CQKTwc:not(:empty){border-top:none}.SHa8ve{display:none}.xpdclose .TOfaBb.SHa8ve,.xpdopen .LL5J7d.SHa8ve{display:block}.rKR6H{padding-top:0.1px}.xpdclose .oHglmf,.xpdopen .xzPb7d{padding-bottom:16px}.xpdclose .kp-header .oHglmf,.xpdopen .kp-header .xzPb7d{padding-bottom:0}.c2xzTb .xpdclose .oHglmf,.c2xzTb .xpdopen .xzPb7d{padding-bottom:0}.HSryR .xpdclose .oHglmf,.HSryR .xpdopen .xzPb7d{padding-bottom:0}.Wnoohf .xpdopen .yp1CPe,.OJXvsb .xpdclose .siXlze{padding-bottom:16px}.Wnoohf .xpdopen .yp1CPe .xpdbox g-more-link{top:28px}.Wnoohf .xpdclose .wDYxhc.xsZWvb,.Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}.OJXvsb .xpdclose .wDYxhc.siXlze{padding-bottom:16px}#rhs .dG2XIf .xpdclose .LKPcQc,#rhs .dG2XIf .xpdopen .viOShc{padding-top:0}#rhs .Wnoohf .xpdopen .yp1CPe,#rhs .OJXvsb .xpdclose .siXlze{padding-bottom:15px}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb.ecRggb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh.ecRggb,#rhs .dG2XIf .ecRggb{padding-bottom:15px}.ecRggb{background-color:#fff;box-shadow:none;border:1px solid #dadce0;border-radius:8px;margin:0 0 16px 0}.u9iNfb{margin-left:-20px}.ZGh7Vc{display:inline-block;margin-top:6px}.di3YZe{font-size:16px;margin-bottom:20px;line-height:1.375;font-family:Google Sans,arial,sans-serif}.RqBzHd{padding:0 20px}.TrT0Xe{margin-bottom:4px}.co8aDb{margin-bottom:12px;}.i8Z77e .TrT0Xe{list-style-type:disc}.X5LH0c .TrT0Xe{list-style:inherit}.truncation-information:link,.truncation-information:visited{color:var(–JKqx2);font-size:14px;line-height:1.58;}.c2xzTb .co8aDb{font-family:Google Sans,arial,sans-serif}.XZAt2e{font-size:14px;display:inline-block;padding-top:10px;margin-left:-20px;}.Od5Jsd{display:inline-block;font-size:12px;line-height:1.34;color:var(–IXoxUe);margin-top:6px}.rvIhN{display:inline-block;font-size:14px;color:var(–IXoxUe);margin-left:5px;margin-right:5px}.FV85tb{font-size:12px;margin-bottom:0;margin-top:4px}.TK6JBe{font-size:12px;font-color:var(–IXoxUe);padding-left:4px}.BqZivd{margin-left:4px;margin-right:4px;font-size:10px}.Q29QOb{padding-right:5px}.FObuKc{border:1px solid var(–mXZkqc);border-radius:8px;margin:0 -20px}.RbVal{text-decoration:underline}.vHWNec{color:var(–bbQxAb);display:flex;padding:8px 16px}.GvDv7e{padding-right:4px}.IiOSLb .rsGxI.Ww4FFb,.Ww4FFb{background-color:var(–xhUGwc);border-radius:0px;border-width:0;box-shadow:none}.Ww4FFb .mnr-c:not(:empty),.mnr-c:not(:empty) .Ww4FFb,.Ww4FFb .Ww4FFb{box-shadow:none;margin-bottom:0px}.vt6azd{margin:0px 0px 8px}.vt6azd{margin:0px 0px 30px}.CBvvz{margin:-var(–sds-sys-measurement–space-sm) 0px 0px}.CBvvz{margin:-30px 0px 0px}Důkladně čtěte smlouvu
celková výše půjčky. celková částka, kterou za úvěr zaplatíte. úroková sazba a RPSN. délka splácení půjčky. výše měsíčních splátek. podmínky předčasného splacení úvěru. co se stane při opoždění se splátkou. právo na odstoupení od smlouvy. .vBnbff .mO5MMe{padding-top:10px}.cUnQKe .vBnbff .mO5MMe{padding-left:0;}.trNcde .vBnbff .mO5MMe{padding:10px 0 0 0}.cAn2Qb.abzPbc .mnr-c{max-width:calc(100% – 162px)}.tF2Cxc{position:relative}.Jb0Zif .BDNLRc{margin:16px 16px -11px}.RUXr2d{display:inline}.MTB56{margin-right:12px;vertical-align:middle}.Pthbuf{display:flex;align-items:center}.m164Nd{vertical-align:middle;display:inline-block}.qpGQpf{clear:both;padding-top:6px}.aCOpRe{line-height:1.58;word-wrap:break-word}.aCOpRe sup{line-height:0.9}.yuRUbf{font-weight:normal;font-size:small;line-height:1.58;}.IsZvec{max-width:48em;color:#4d5156;line-height:1.58}.uo4vr{color:var(–IXoxUe);line-height:1.58}.IjZ7ze{display:inline-block;color:var(–IXoxUe);font-size:12px;line-height:1.34;white-space:nowrap}.FyYA1e{margin:5px 0}a:hover h3.LC20lb{text-decoration:underline}.M8OgIe .dG2XIf .fm06If .LC20lb,.n6SJS h3.LC20lb{overflow:hidden;text-overflow:ellipsis;white-space:nowrap;width:100%}.LC20lb{display:inline-block;line-height:1.3;margin-bottom:3px;}.c2xzTb .LC20lb{margin-bottom:0}.MMgsKf{padding-top:2px}.DKV0Md{padding-top:4px;padding-top:5px;}.Z3xoIb{padding-top:27px;padding-top:28px;}.NXKJM{display:-webkit-box;overflow:hidden;-webkit-box-orient:vertical;-webkit-line-clamp:1}.hceuRc{-webkit-box-orient:vertical;display:-webkit-box;-webkit-line-clamp:2;overflow:hidden}.fzBvHb{font-weight:700}.DKV0Md,.Z3xoIb{margin-top:18px;}.xvfwl{margin-top:4px}.q0vns a.fl{font-size:12px}.TQc1id .qLRx3b{font-size:14px;line-height:1.58}.HGLrXd{display:inline-block;-webkit-text-size-adjust:none}.q0vns{display:inline-block;padding-bottom:2px;padding-top:1px}.NJjxre{position:absolute;left:0;top:0;width:100%}.M8OgIe .VWCdhc.Mjve0e .q0vns{width:max-content}.VjDLd .TieM1d .tjvcx,.IVvPP .tjvcx,.kno-kp .tjvcx,.VjDLd .kp-wholepage-osrp .tjvcx,#rhs .ss6qqb .tjvcx,#rhs .trNcde .tjvcx{display:inline-block;height:19px;overflow-y:hidden}.ojE3Fb{padding:0;padding-bottom:0;}.ojE3Fb .q0vns{display:flex;overflow:hidden;padding:0;padding-bottom:0;align-items:center;}.ojE3Fb .q0vns a.fl{padding-top:0;font-size:12px;line-height:18px;}.GvPZzd{font-size:12px;line-height:18px;}.dTxz9{padding-right:38px}.iG7WGe{color:#202124;padding:0;text-align:center;width:16px}.VuuXrf{color:#202124;font-size:14px;display:block;line-height:20px;white-space:nowrap;}.qncq2c{font-size:12px;line-height:16px;margin-left:6px}.CA5RN{overflow:hidden}.K2VDSb{display:flex;flex-direction:row}.H9lube{background-color:#f1f3f4;border:1px solid #dadce0;border-radius:50%;display:inline-flex;justify-content:center;align-items:center;height:26px;width:26px;margin-right:12px;flex-shrink:0;vertical-align:middle;}.fJOpI.H9lube{background-color:#e2eeff;border:1px solid #e2eeff}.P1UpZb{background-color:#f1f3f4;border:1px solid #ecedef}.eqA2re.NjwKYd{margin-right:0}.Vwoesf:not(.oRVWZ){display:inline-block}.Vwoesf{vertical-align:middle}.XNo5Ab.XNo5Ab{display:block;}.lWlVCe{border-radius:50%}.bJVp8c{color:#0060f0}.Jj3Uob{color:#0060f0;}.ob9lvb{color:#4d5156}.ob9lvb.HCMUuf{color:var(–IXoxUe)}.ylgVCe{color:#4d5156}.B6fmyf{position:absolute;top:0;height:0;visibility:hidden;white-space:nowrap;width:100%}.B6fmyf.Mg1HEd{height:auto}.ljeAnf{display:-webkit-box;overflow:hidden;-webkit-box-orient:vertical}.byrV5b{align-items:center;display:flex;flex-direction:row}.sBJG1d{display:flex;flex-direction:row;justify-content:center}.kDmHO{align-items:center;display:flex;flex-direction:column}.lR4vec{display:flex;flex-direction:column;justify-content:center}.xTEyc{align-items:start;display:flex;flex-direction:row}.OjFzvd{display:flex;flex-direction:row;justify-content:start}.YIPhrb{align-items:start;display:flex;flex-direction:column}.BToiNc{display:flex;flex-direction:column;justify-content:start}.E4bmEc .Va021{flex:1 1 100%}.E4bmEc .Y76LGf{flex:1 1 calc(50% – 4px)}
Kdy je nejlepší vzít si hypotéku : .wDYxhc{clear:both}.cUnQKe .wDYxhc,.related-question-pair .wDYxhc,.M8OgIe .fm06If .wDYxhc{clear:none}html .dG2XIf .xpdclose .LKPcQc,html .dG2XIf .xpdopen .viOShc{padding-top:0;}.garHBe{color:var(–COEmY);font-size:20px;line-height:1.3;position:relative}.garHBe a{color:var(–COEmY)}.xpdopen .Hhmu2e{overflow:inherit}.xpdclose .a84NUc:not(:empty),.xpdopen .CQKTwc:not(:empty){border-top:solid 1px #ebebeb;border-radius:0}.xpdclose .pmYXee .a84NUc:not(:empty),.xpdopen .pmYXee .CQKTwc:not(:empty){border-top:none}.cAn2Qb .a84NUc:not(:empty),.cAn2Qb .CQKTwc:not(:empty){border-top:none}.SHa8ve{display:none}.xpdclose .TOfaBb.SHa8ve,.xpdopen .LL5J7d.SHa8ve{display:block}.rKR6H{padding-top:0.1px}.xpdclose .oHglmf,.xpdopen .xzPb7d{padding-bottom:16px}.xpdclose .kp-header .oHglmf,.xpdopen .kp-header .xzPb7d{padding-bottom:0}.c2xzTb .xpdclose .oHglmf,.c2xzTb .xpdopen .xzPb7d{padding-bottom:0}.HSryR .xpdclose .oHglmf,.HSryR .xpdopen .xzPb7d{padding-bottom:0}.Wnoohf .xpdopen .yp1CPe,.OJXvsb .xpdclose .siXlze{padding-bottom:16px}.Wnoohf .xpdopen .yp1CPe .xpdbox g-more-link{top:28px}.Wnoohf .xpdclose .wDYxhc.xsZWvb,.Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}.OJXvsb .xpdclose .wDYxhc.siXlze{padding-bottom:16px}#rhs .dG2XIf .xpdclose .LKPcQc,#rhs .dG2XIf .xpdopen .viOShc{padding-top:0}#rhs .Wnoohf .xpdopen .yp1CPe,#rhs .OJXvsb .xpdclose .siXlze{padding-bottom:15px}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb.ecRggb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh.ecRggb,#rhs .dG2XIf .ecRggb{padding-bottom:15px}.ecRggb{background-color:#fff;box-shadow:none;border:1px solid #dadce0;border-radius:8px;margin:0 0 16px 0}.Jb0Zif .UiGGAb.ILfuVd,.ILfuVd{font-size:16px;line-height:24px;}.fm06If .ILfuVd.NA6bn,.c2xzTb .ILfuVd.duSGDe,.c2xzTb .ILfuVd.NA6bn.c3biWd{font-size:14px;line-height:1.58;}.c2xzTb .zloOqf{font-size:16px;margin-bottom:16px;margin-top:-8px;}.FLWspc{margin:16px}.LFYdN{font-size:16px;margin:16px}.trNcde .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:14px;line-height:22px}.HSryR .ILfuVd{line-height:1.5}.ss6qqb .ILfuVd,.ss6qqb .UiGGAb.ILfuVd{font-size:14px;line-height:22px}.c2xzTb .qLYAZd{margin:16px 16px 16px 0;}.d9FyLd{padding:0 0 10px}.hgKElc{padding:0 8px 0 0}.kX21rb{font-size:12px;line-height:1.34;display:inline-block;font-family:Google Sans,arial,sans-serif;padding-right:0;white-space:nowrap}.SPV4pd{display:flex;overflow-x:auto}.SPV4pd::-webkit-scrollbar{display:none}.Vjskue{margin-left:8px}.JT9o0,.ZnIJV{align-items:center;border:1px solid var(–mXZkqc);border-radius:16px;box-sizing:border-box;color:#1a73e8;cursor:pointer;display:flex;height:32px;margin-bottom:16px}.BkHX0d{font-family:Google Sans,arial,sans-serif-medium,sans-serif;font-size:14px;line-height:20px;padding-right:20px;text-align:center;white-space:nowrap}.xv1D5b{display:block;padding:0 8px 0 12px;width:18px;height:18px}.LGOjhe{overflow:hidden;padding-bottom:20px}.trNcde .LGOjhe{overflow:visible}.SALvLe .LGOjhe,.Jb0Zif .LGOjhe,.HSryR .LGOjhe,.IVvPP .LGOjhe{padding:0 0 10px;margin:10px 0 0 0}.s6JM6d .SALvLe .LGOjhe{margin-top:12px;}.s6JM6d .HSryR .LGOjhe{margin-top:12px;padding-bottom:20px}#res .Jb0Zif .qDOt0b h3,.IVvPP .qDOt0b h3{font-size:16px;line-height:1.375}.Jb0Zif .qDOt0b .iUh30,.IVvPP .qDOt0b .iUh30{font-size:14px;line-height:1.58}.IVvPP .qDOt0b{border-bottom:1px solid var(–gS5jXb);padding-bottom:6px}.rjOVwe.ILfuVd{font-size:16px;line-height:20px}.dG2XIf .rjOVwe{padding-top:22px;padding-bottom:0;margin-bottom:1px}.xWd7I{padding-top:12px;}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{font-size:14px;line-height:22px}.n6SJS .ILfuVd{font-size:14px}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{line-height:20px}.xpd-wa .g-blk{margin:initial}.xpd-wa .dG2XIf{border:initial;box-shadow:none}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-family:Google Sans,arial,sans-serif;color:var(–YLNNHc)}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-size:20px;line-height:28px}.cUnQKe .ILfuVd,.cUnQKe .UiGGAb.ILfuVd,.w5mTAe .ILfuVd,.W0urI .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:16px;line-height:24px}.fm06If .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.c2xzTb .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:#d3e3fd;color:#040c28;font-wei ght:500}@media (forced-colors:active){.fm06If .ILfuVd b,.c2xzTb .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:Mark;color:MarkText}} Ideální věk pro sjednání první hypotéky je mezi 26 a 35 lety. Hypotéka sjednaná v mladším věku (zpravidla do zmíněných 30 let), má tu výhodu, že ji můžete splácet poměrně dlouho, čemuž odpovídá také přijatelná výše měsíčních splátek. .vBnbff .mO5MMe{padding-top:10px}.cUnQKe .vBnbff .mO5MMe{padding-left:0;}.trNcde .vBnbff .mO5MMe{padding:10px 0 0 0}.cAn2Qb.abzPbc .mnr-c{max-width:calc(100% – 162px)}.tF2Cxc{position:relative}.Jb0Zif .BDNLRc{margin:16px 16px -11px}.RUXr2d{display:inline}.MTB56{margin-right:12px;vertical-align:middle}.Pthbuf{display:flex;align-items:center}.m164Nd{vertical-align:middle;display:inline-block}.qpGQpf{clear:both;padding-top:6px}.aCOpRe{line-height:1.58;word-wrap:break-word}.aCOpRe sup{line-height:0.9}.yuRUbf{font-weight:normal;font-size:small;line-height:1.58;}.IsZvec{max-width:48em;color:#4d5156;line-height:1.58}.uo4vr{color:var(–IXoxUe);line-height:1.58}.IjZ7ze{display:inline-block;color:var(–IXoxUe);font-size:12px;line-height:1.34;white-space:nowrap}.FyYA1e{margin:5px 0}a:hover h3.LC20lb{text-decoration:underline}.M8OgIe .dG2XIf .fm06If .LC20lb,.n6SJS h3.LC20lb{overflow:hidden;text-overflow:ellipsis;white-space:nowrap;width:100%}.LC20lb{display:inline-block;line-height:1.3;margin-bottom:3px;}.c2xzTb .LC20lb{margin-bottom:0}.MMgsKf{padding-top:2px}.DKV0Md{padding-top:4px;padding-top:5px;}.Z3xoIb{padding-top:27px;padding-top:28px;}.NXKJM{display:-webkit-box;overflow:hidden;-webkit-box-orient:vertical;-webkit-line-clamp:1}.hceuRc{-webkit-box-orient:vertical;display:-webkit-box;-webkit-line-clamp:2;overflow:hidden}.fzBvHb{font-weight:700}.DKV0Md,.Z3xoIb{margin-top:18px;}.xvfwl{margin-top:4px}.q0vns a.fl{font-size:12px}.TQc1id .qLRx3b{font-size:14px;line-height:1.58}.HGLrXd{display:inline-block;-webkit-text-size-adjust:none}.q0vns{display:inline-block;padding-bottom:2px;padding-top:1px}.NJjxre{position:absolute;left:0;top:0;width:100%}.M8OgIe .VWCdhc.Mjve0e .q0vns{width:max-content}.VjDLd .TieM1d .tjvcx,.IVvPP .tjvcx,.kno-kp .tjvcx,.VjDLd .kp-wholepage-osrp .tjvcx,#rhs .ss6qqb .tjvcx,#rhs .trNcde .tjvcx{display:inline-block;height:19px;overflow-y:hidden}.ojE3Fb{padding:0;padding-bottom:0;}.ojE3Fb .q0vns{display:flex;overflow:hidden;padding:0;padding-bottom:0;align-items:center;}.ojE3Fb .q0vns a.fl{padding-top:0;font-size:12px;line-height:18px;}.GvPZzd{font-size:12px;line-height:18px;}.dTxz9{padding-right:38px}.iG7WGe{color:#202124;padding:0;text-align:center;width:16px}.VuuXrf{color:#202124;font-size:14px;display:block;line-height:20px;white-space:nowrap;}.qncq2c{font-size:12px;line-height:16px;margin-left:6px}.CA5RN{overflow:hidden}.K2VDSb{display:flex;flex-direction:row}.H9lube{background-color:#f1f3f4;border:1px solid #dadce0;border-radius:50%;display:inline-flex;justify-content:center;align-items:center;height:26px;width:26px;margin-right:12px;flex-shrink:0;vertical-align:middle;}.fJOpI.H9lube{background-color:#e2eeff;border:1px solid #e2eeff}.P1UpZb{background-color:#f1f3f4;border:1px solid #ecedef}.eqA2re.NjwKYd{margin-right:0}.Vwoesf:not(.oRVWZ){display:inline-block}.Vwoesf{vertical-align:middle}.XNo5Ab.XNo5Ab{display:block;}.lWlVCe{border-radius:50%}.bJVp8c{color:#0060f0}.Jj3Uob{color:#0060f0;}.ob9lvb{color:#4d5156}.ob9lvb.HCMUuf{color:var(–IXoxUe)}.ylgVCe{color:#4d5156}.B6fmyf{position:absolute;top:0;height:0;visibility:hidden;white-space:nowrap;width:100%}.B6fmyf.Mg1HEd{height:auto}.ljeAnf{display:-webkit-box;overflow:hidden;-webkit-box-orient:vertical}
Která banka má nejnižší úrok .wDYxhc{clear:both}.cUnQKe .wDYxhc,.related-question-pair .wDYxhc,.M8OgIe .fm06If .wDYxhc{clear:none}html .dG2XIf .xpdclose .LKPcQc,html .dG2XIf .xpdopen .viOShc{padding-top:0;}.garHBe{color:var(–COEmY);font-size:20px;line-height:1.3;position:relative}.garHBe a{color:var(–COEmY)}.xpdopen .Hhmu2e{overflow:inherit}.xpdclose .a84NUc:not(:empty),.xpdopen .CQKTwc:not(:empty){border-top:solid 1px #ebebeb;border-radius:0}.xpdclose .pmYXee .a84NUc:not(:empty),.xpdopen .pmYXee .CQKTwc:not(:empty){border-top:none}.cAn2Qb .a84NUc:not(:empty),.cAn2Qb .CQKTwc:not(:empty){border-top:none}.SHa8ve{display:none}.xpdclose .TOfaBb.SHa8ve,.xpdopen .LL5J7d.SHa8ve{display:block}.rKR6H{padding-top:0.1px}.xpdclose .oHglmf,.xpdopen .xzPb7d{padding-bottom:16px}.xpdclose .kp-header .oHglmf,.xpdopen .kp-header .xzPb7d{padding-bottom:0}.c2xzTb .xpdclose .oHglmf,.c2xzTb .xpdopen .xzPb7d{padding-bottom:0}.HSryR .xpdclose .oHglmf,.HSryR .xpdopen .xzPb7d{padding-bottom:0}.Wnoohf .xpdopen 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.mnr-c:not(:empty),.mnr-c:not(:empty) .Ww4FFb,.Ww4FFb .Ww4FFb{box-shadow:none;margin-bottom:0px}.vt6azd{margin:0px 0px 8px}.vt6azd{margin:0px 0px 30px}.CBvvz{margin:-var(–sds-sys-measurement–space-sm) 0px 0px}.CBvvz{margin:-30px 0px 0px} Při 90% úvěru jsou nejnižší sazby momentálně v Komerční bance a UniCredit, které mají přibližně stejné sazby jako ty 80%. Samozřejmě platí to pro klienty, kteří jsou mladší 36 let. .vBnbff .mO5MMe{padding-top:10px}.cUnQKe .vBnbff .mO5MMe{padding-left:0;}.trNcde .vBnbff .mO5MMe{padding:10px 0 0 0}.cAn2Qb.abzPbc .mnr-c{max-width:calc(100% – 162px)}.tF2Cxc{position:relative}.Jb0Zif .BDNLRc{margin:16px 16px -11px}.RUXr2d{display:inline}.MTB56{margin-right:12px;vertical-align:middle}.Pthbuf{display:flex;align-items:center}.m164Nd{vertical-align:middle;display:inline-block}.qpGQpf{clear:both;padding-top:6px}.aCOpRe{line-height:1.58;word-wrap:break-word}.aCOpRe sup{line-height:0.9}.yuRUbf{font-weight:normal;font-size:small;line-height:1.58;}.IsZvec{max-width:48em;color:#4d5156;line-height:1.58}.uo4vr{color:var(–IXoxUe);line-height:1.58}.IjZ7ze{display:inline-block;color:var(–IXoxUe);font-size:12px;line-height:1.34;white-space:nowrap}.FyYA1e{margin:5px 0}a:hover h3.LC20lb{text-decoration:underline}.M8OgIe .dG2XIf .fm06If .LC20lb,.n6SJS 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#ecedef}.eqA2re.NjwKYd{margin-right:0}.Vwoesf:not(.oRVWZ){display:inline-block}.Vwoesf{vertical-align:middle}.XNo5Ab.XNo5Ab{display:block;}.lWlVCe{border-radius:50%}.bJVp8c{color:#0060f0}.Jj3Uob{color:#0060f0;}.ob9lvb{color:#4d5156}.ob9lvb.HCMUuf{color:var(–IXoxUe)}.ylgVCe{color:#4d5156}.B6fmyf{position:absolute;top:0;height:0;visibility:hidden;white-space:nowrap;width:100%}.B6fmyf.Mg1HEd{height:auto}.ljeAnf{display:-webkit-box;overflow:hidden;-webkit-box-orient:vertical}.byrV5b{align-items:center;display:flex;flex-direction:row}.sBJG1d{display:flex;flex-direction:row;justify-content:center}.kDmHO{align-items:center;display:flex;flex-direction:column}.lR4vec{display:flex;flex-direction:column;justify-content:center}.xTEyc{align-items:start;display:flex;flex-direction:row}.OjFzvd{display:flex;flex-direction:row;justify-content:start}.YIPhrb{align-items:start;display:flex;flex-direction:column}.BToiNc{display:flex;flex-direction:column;justify-content:start}.E4bmEc .Va021{flex:1 1 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.rsGxI.Ww4FFb,.Ww4FFb{background-color:var(–xhUGwc);border-radius:0px;border-width:0;box-shadow:none}.Ww4FFb .mnr-c:not(:empty),.mnr-c:not(:empty) .Ww4FFb,.Ww4FFb .Ww4FFb{box-shadow:none;margin-bottom:0px}.vt6azd{margin:0px 0px 8px}.vt6azd{margin:0px 0px 30px}.CBvvz{margin:-var(–sds-sys-measurement–space-sm) 0px 0px}.CBvvz{margin:-30px 0px 0px}Typy hypoték
Klasická hypotéka. Americká hypotéka. Hypotéka se zálohovým čerpáním. Hypotéka na refundaci. Hypotéka bez nemovitosti. Štafetová hypotéka. 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K financování nemovitosti se spíše hodí hypotéka, která je z dlouhodobého hlediska výhodnější a můžete jí sjednat i na dobu delší 30 let. Spotřebitelský úvěr se pak hodí ve chvíli, kdy si potřebujete půjčit menší obnos peněz a na kratší dobu. Nejčastěji si peníze můžete vypůjčit až na 10 let. .vBnbff .mO5MMe{padding-top:10px}.cUnQKe .vBnbff .mO5MMe{padding-left:0;}.trNcde .vBnbff .mO5MMe{padding:10px 0 0 0}.cAn2Qb.abzPbc .mnr-c{max-width:calc(100% – 162px)}.tF2Cxc{position:relative}.Jb0Zif .BDNLRc{margin:16px 16px -11px}.RUXr2d{display:inline}.MTB56{margin-right:12px;vertical-align:middle}.Pthbuf{display:flex;align-items:center}.m164Nd{vertical-align:middle;display:inline-block}.qpGQpf{clear:both;padding-top:6px}.aCOpRe{line-height:1.58;word-wrap:break-word}.aCOpRe sup{line-height:0.9}.yuRUbf{font-weight:normal;font-size:small;line-height:1.58;}.IsZvec{max-width:48em;color:#4d5156;line-height:1.58}.uo4vr{color:var(–IXoxUe);line-height:1.58}.IjZ7ze{display:inline-block;color:var(–IXoxUe);font-size:12px;line-height:1.34;white-space:nowrap}.FyYA1e{margin:5px 0}a:hover h3.LC20lb{text-decoration:underline}.M8OgIe .dG2XIf .fm06If .LC20lb,.n6SJS h3.LC20lb{overflow:hidden;text-overflow:ellipsis;white-space:nowrap;width:100%}.LC20lb{display:inline-block;line-height:1.3;margin-bottom:3px;}.c2xzTb .LC20lb{margin-bottom:0}.MMgsKf{padding-top:2px}.DKV0Md{padding-top:4px;padding-top:5px;}.Z3xoIb{padding-top:27px;padding-top:28px;}.NXKJM{display:-webkit-box;overflow:hidden;-webkit-box-orient:vertical;-webkit-line-clamp:1}.hceuRc{-webkit-box-orient:vertical;display:-webkit-box;-webkit-line-clamp:2;overflow:hidden}.fzBvHb{font-weight:700}.DKV0Md,.Z3xoIb{margin-top:18px;}.xvfwl{margin-top:4px}.q0vns a.fl{font-size:12px}.TQc1id .qLRx3b{font-size:14px;line-height:1.58}.HGLrXd{display:inline-block;-webkit-text-size-adjust:none}.q0vns{display:inline-block;padding-bottom:2px;padding-top:1px}.NJjxre{position:absolute;left:0;top:0;width:100%}.M8OgIe .VWCdhc.Mjve0e .q0vns{width:max-content}.VjDLd .TieM1d .tjvcx,.IVvPP .tjvcx,.kno-kp .tjvcx,.VjDLd .kp-wholepage-osrp .tjvcx,#rhs .ss6qqb .tjvcx,#rhs .trNcde .tjvcx{display:inline-block;height:19px;overflow-y:hidden}.ojE3Fb{padding:0;padding-bottom:0;}.ojE3Fb .q0vns{display:flex;overflow:hidden;padding:0;padding-bottom:0;align-items:center;}.ojE3Fb .q0vns a.fl{padding-top:0;font-size:12px;line-height:18px;}.GvPZzd{font-size:12px;line-height:18px;}.dTxz9{padding-right:38px}.iG7WGe{color:#202124;padding:0;text-align:center;width:16px}.VuuXrf{color:#202124;font-size:14px;display:block;line-height:20px;white-space:nowrap;}.qncq2c{font-size:12px;line-height:16px;margin-left:6px}.CA5RN{overflow:hidden}.K2VDSb{display:flex;flex-direction:row}.H9lube{background-color:#f1f3f4;border:1px solid #dadce0;border-radius:50%;display:inline-flex;justify-content:center;align-items:center;height:26px;width:26px;margin-right:12px;flex-shrink:0;vertical-align:middle;}.fJOpI.H9lube{background-color:#e2eeff;border:1px solid #e2eeff}.P1UpZb{background-color:#f1f3f4;border:1px solid #ecedef}.eqA2re.NjwKYd{margin-right:0}.Vwoesf:not(.oRVWZ){display:inline-block}.Vwoesf{vertical-align:middle}.XNo5Ab.XNo5Ab{display:block;}.lWlVCe{border-radius:50%}.bJVp8c{color:#0060f0}.Jj3Uob{color:#0060f0;}.ob9lvb{color:#4d5156}.ob9lvb.HCMUuf{color:var(–IXoxUe)}.ylgVCe{color:#4d5156}.B6fmyf{position:absolute;top:0;height:0;visibility:hidden;white-space:nowrap;width:100%}.B6fmyf.Mg1HEd{height:auto}.ljeAnf{display:-webkit-box;overflow:hidden;-webkit-box-orient:vertical}
Co se stane když nezaplatím splátku úvěru : .wDYxhc{clear:both}.cUnQKe .wDYxhc,.related-question-pair .wDYxhc,.M8OgIe .fm06If .wDYxhc{clear:none}html .dG2XIf .xpdclose .LKPcQc,html .dG2XIf .xpdopen .viOShc{padding-top:0;}.garHBe{color:var(–COEmY);font-size:20px;line-height:1.3;position:relative}.garHBe a{color:var(–COEmY)}.xpdopen .Hhmu2e{overflow:inherit}.xpdclose .a84NUc:not(:empty),.xpdopen .CQKTwc:not(:empty){border-top:solid 1px #ebebeb;border-radius:0}.xpdclose .pmYXee .a84NUc:not(:empty),.xpdopen .pmYXee .CQKTwc:not(:empty){border-top:none}.cAn2Qb .a84NUc:not(:empty),.cAn2Qb .CQKTwc:not(:empty){border-top:none}.SHa8ve{display:none}.xpdclose .TOfaBb.SHa8ve,.xpdopen .LL5J7d.SHa8ve{display:block}.rKR6H{padding-top:0.1px}.xpdclose .oHglmf,.xpdopen .xzPb7d{padding-bottom:16px}.xpdclose .kp-header .oHglmf,.xpdopen .kp-header .xzPb7d{padding-bottom:0}.c2xzTb .xpdclose .oHglmf,.c2xzTb .xpdopen .xzPb7d{padding-bottom:0}.HSryR .xpdclose .oHglmf,.HSryR .xpdopen .xzPb7d{padding-bottom:0}.Wnoohf .xpdopen .yp1CPe,.OJXvsb .xpdclose .siXlze{padding-bottom:16px}.Wnoohf .xpdopen .yp1CPe .xpdbox g-more-link{top:28px}.Wnoohf .xpdclose .wDYxhc.xsZWvb,.Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}.OJXvsb .xpdclose .wDYxhc.siXlze{padding-bottom:16px}#rhs .dG2XIf .xpdclose .LKPcQc,#rhs .dG2XIf .xpdopen .viOShc{padding-top:0}#rhs .Wnoohf .xpdopen .yp1CPe,#rhs .OJXvsb .xpdclose .siXlze{padding-bottom:15px}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb.ecRggb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh.ecRggb,#rhs .dG2XIf .ecRggb{padding-bottom:15px}.ecRggb{background-color:#fff;box-shadow:none;border:1px solid #dadce0;border-radius:8px;margin:0 0 16px 0}.Jb0Zif .UiGGAb.ILfuVd,.ILfuVd{font-size:16px;line-height:24px;}.fm06If .ILfuVd.NA6bn,.c2xzTb .ILfuVd.duSGDe,.c2xzTb .ILfuVd.NA6bn.c3biWd{font-size:14px;line-height:1.58;}.c2xzTb .zloOqf{font-size:16px;margin-bottom:16px;margin-top:-8px;}.FLWspc{margin:16px}.LFYdN{font-size:16px;margin:16px}.trNcde .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:14px;line-height:22px}.HSryR .ILfuVd{line-height:1.5}.ss6qqb .ILfuVd,.ss6qqb .UiGGAb.ILfuVd{font-size:14px;line-height:22px}.c2xzTb .qLYAZd{margin:16px 16px 16px 0;}.d9FyLd{padding:0 0 10px}.hgKElc{padding:0 8px 0 0}.kX21rb{font-size:12px;line-height:1.34;display:inline-block;font-family:Google Sans,arial,sans-serif;padding-right:0;white-space:nowrap}.SPV4pd{display:flex;overflow-x:auto}.SPV4pd::-webkit-scrollbar{display:none}.Vjskue{margin-left:8px}.JT9o0,.ZnIJV{align-items:center;border:1px solid var(–mXZkqc);border-radius:16px;box-sizing:border-box;color:#1a73e8;cursor:pointer;display:flex;height:32px;margin-bottom:16px}.BkHX0d{font-family:Google Sans,arial,sans-serif-medium,sans-serif;font-size:14px;line-height:20px;padding-right:20px;text-align:center;white-space:nowrap}.xv1D5b{display:block;padding:0 8px 0 12px;width:18px;height:18px}.LGOjhe{overflow:hidden;padding-bottom:20px}.trNcde .LGOjhe{overflow:visible}.SALvLe .LGOjhe,.Jb0Zif .LGOjhe,.HSryR .LGOjhe,.IVvPP .LGOjhe{padding:0 0 10px;margin:10px 0 0 0}.s6JM6d .SALvLe .LGOjhe{margin-top:12px;}.s6JM6d .HSryR .LGOjhe{margin-top:12px;padding-bottom:20px}#res .Jb0Zif .qDOt0b h3,.IVvPP .qDOt0b h3{font-size:16px;line-height:1.375}.Jb0Zif .qDOt0b .iUh30,.IVvPP .qDOt0b .iUh30{font-size:14px;line-height:1.58}.IVvPP .qDOt0b{border-bottom:1px solid var(–gS5jXb);padding-bottom:6px}.rjOVwe.ILfuVd{font-size:16px;line-height:20px}.dG2XIf .rjOVwe{padding-top:22px;padding-bottom:0;margin-bottom:1px}.xWd7I{padding-top:12px;}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{font-size:14px;line-height:22px}.n6SJS .ILfuVd{font-size:14px}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{line-height:20px}.xpd-wa .g-blk{margin:initial}.xpd-wa .dG2XIf{border:initial;box-shadow:none}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-family:Google Sans,arial,sans-serif;color:var(–YLNNHc)}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-size:20px;line-height:28px}.cUnQKe .ILfuVd,.cUnQKe .UiGGAb.ILfuVd,.w5mTAe .ILfuVd,.W0urI .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:16px;line-height:24px}.fm06If .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.c2xzTb .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:#d3e3fd;color:#040c28;font-weight:500}@media (forced-colors:active){.fm06If .ILfuVd b,.c2xzTb .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:Mark;color:MarkText}}.IiOSLb .rsGxI.Ww4FFb,.Ww4FFb{background-color:var(–xhUGwc);border-radius:0px;border-width:0;box-shadow:none}.Ww4FFb .mnr-c:not(:empty),.mnr-c:not(:empty) .Ww4FFb,.Ww4FFb .Ww4FFb{box-shadow:none;margin-bottom:0px}.vt6azd{margin:0px 0px 8px}.vt6azd{margin:0px 0px 30px}.CBvvz{margin:-var(–sds-sys-measurement–space-sm) 0px 0px}.CBvvz{margin:-30px 0px 0px} den prodlení. Za každý den prodlení zaplatíte také úroky z prodlení ve výši REPO sazby zvýšené o 8 % z dlužné částky. 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VIDEO VIDEO
Antwort Co je střednědobý úvěr? Weitere Antworten – Co je dlouhodobý úvěr
Dlouhodobý úvěr je půjčka od banky, nebo nebankovní instituce, kterou klient splácí několik let. Jedná se většinou o období splácení delší než 4 roky. Úvěry se splatností mezi jedním rokem a čtyřmi lety spadají do kategorie střednědobých úvěrů.Peněžní úvěry – skutečné poskytnutí peněz, i když nejčastěji v bezhotovostní podobě.
Krátkodobý úvěr je úvěr, který se sjednává na dobu kratší než 1 rok a obvykle se využívá k překonání dočasného nedostatku peněz. Nabízí je jak bankovní, tak nebankovní instituce. Mezi krátkodobé úvěry patří například kontokorentní úvěr nebo mikropůjčka.
Jak Zauctovat dlouhodoby úvěr : Dlouhodobým úvěrem se rozumí úvěr se splatností nad jeden rok. Pro účtování dlouhodobých úvěrů je určen účet 461 – Dlouhodobé závazky k úvěrovým institucím ze stejnojmenné účtové skupiny 46.
Který úvěr lze čerpat opakovaně
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Revolvingový úvěr je typem krátkodobého spotřebitelského úvěru, který se automaticky obnovuje bez předchozího opětovného sjednání. U revolvingových úvěrů dostanete stálou finanční rezervu, kterou můžete čerpat až do výše předem dané částky. Pokud z revolvingu nečerpáte žádné peníze, neplatíte ani žádné splátky.
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V kolika letech je možné získat úvěr : .wDYxhc{clear:both}.cUnQKe .wDYxhc,.related-question-pair .wDYxhc,.M8OgIe .fm06If .wDYxhc{clear:none}html .dG2XIf .xpdclose .LKPcQc,html .dG2XIf .xpdopen .viOShc{padding-top:0;}.garHBe{color:var(–COEmY);font-size:20px;line-height:1.3;position:relative}.garHBe a{color:var(–COEmY)}.xpdopen .Hhmu2e{overflow:inherit}.xpdclose .a84NUc:not(:empty),.xpdopen .CQKTwc:not(:empty){border-top:solid 1px #ebebeb;border-radius:0}.xpdclose .pmYXee .a84NUc:not(:empty),.xpdopen .pmYXee .CQKTwc:not(:empty){border-top:none}.cAn2Qb .a84NUc:not(:empty),.cAn2Qb .CQKTwc:not(:empty){border-top:none}.SHa8ve{display:none}.xpdclose .TOfaBb.SHa8ve,.xpdopen .LL5J7d.SHa8ve{display:block}.rKR6H{padding-top:0.1px}.xpdclose .oHglmf,.xpdopen .xzPb7d{padding-bottom:16px}.xpdclose .kp-header .oHglmf,.xpdopen .kp-header .xzPb7d{padding-bottom:0}.c2xzTb .xpdclose .oHglmf,.c2xzTb .xpdopen .xzPb7d{padding-bottom:0}.HSryR .xpdclose .oHglmf,.HSryR .xpdopen .xzPb7d{padding-bottom:0}.Wnoohf .xpdopen .yp1CPe,.OJXvsb .xpdclose .siXlze{padding-bottom:16px}.Wnoohf .xpdopen .yp1CPe .xpdbox g-more-link{top:28px}.Wnoohf .xpdclose .wDYxhc.xsZWvb,.Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}.OJXvsb .xpdclose .wDYxhc.siXlze{padding-bottom:16px}#rhs .dG2XIf .xpdclose .LKPcQc,#rhs .dG2XIf .xpdopen .viOShc{padding-top:0}#rhs .Wnoohf .xpdopen .yp1CPe,#rhs .OJXvsb .xpdclose .siXlze{padding-bottom:15px}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb.ecRggb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh.ecRggb,#rhs .dG2XIf .ecRggb{padding-bottom:15px}.ecRggb{background-color:#fff;box-shadow:none;border:1px solid #dadce0;border-radius:8px;margin:0 0 16px 0}.Jb0Zif .UiGGAb.ILfuVd,.ILfuVd{font-size:16px;line-height:24px;}.fm06If .ILfuVd.NA6bn,.c2xzTb .ILfuVd.duSGDe,.c2xzTb .ILfuVd.NA6bn.c3biWd{font-size:14px;line-height:1.58;}.c2xzTb .zloOqf{font-size:16px;margin-bottom:16px;margin-top:-8px;}.FLWspc{margin:16px}.LFYdN{font-size:16px;margin:16px}.trNcde .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:14px;line-height:22px}.HSryR .ILfuVd{line-height:1.5}.ss6qqb .ILfuVd,.ss6qqb .UiGGAb.ILfuVd{font-size:14px;line-height:22px}.c2xzTb .qLYAZd{margin:16px 16px 16px 0;}.d9FyLd{padding:0 0 10px}.hgKElc{padding:0 8px 0 0}.kX21rb{font-size:12px;line-height:1.34;display:inline-block;font-family:Google Sans,arial,sans-serif;padding-right:0;white-space:nowrap}.SPV4pd{display:flex;overflow-x:auto}.SPV4pd::-webkit-scrollbar{display:none}.Vjskue{margin-left:8px}.JT9o0,.ZnIJV{align-items:center;border:1px solid var(–mXZkqc);border-radius:16px;box-sizing:border-box;color:#1a73e8;cursor:pointer;display:flex;height:32px;margin-bottom:16px}.BkHX0d{font-family:Google Sans,arial,sans-serif-medium,sans-serif;font-size:14px;line-height:20px;padding-right:20px;text-align:center;white-space:nowrap}.xv1D5b{display:block;padding:0 8px 0 12px;width:18px;height:18px}.LGOjhe{overflow:hidden;padding-bottom:20px}.trNcde .LGOjhe{overflow:visible}.SALvLe .LGOjhe,.Jb0Zif .LGOjhe,.HSryR .LGOjhe,.IVvPP .LGOjhe{padding:0 0 10px;margin:10px 0 0 0}.s6JM6d .SALvLe .LGOjhe{margin-top:12px;}.s6JM6d .HSryR .LGOjhe{margin-top:12px;padding-bottom:20px}#res .Jb0Zif .qDOt0b h3,.IVvPP .qDOt0b h3{font-size:16px;line-height:1.375}.Jb0Zif .qDOt0b .iUh30,.IVvPP .qDOt0b .iUh30{font-size:14px;line-height:1.58}.IVvPP .qDOt0b{border-bottom:1px solid var(–gS5jXb);padding-bottom:6px}.rjOVwe.ILfuVd{font-size:16px;line-height:20px}.dG2XIf .rjOVwe{padding-top:22px;padding-bottom:0;margin-bottom:1px}.xWd7I{padding-top:12px;}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{font-size:14px;line-height:22px}.n6SJS .ILfuVd{font-size:14px}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{line-height:20px}.xpd-wa .g-blk{margin:initial}.xpd-wa .dG2XIf{border:initial;box-shadow:none}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-family:Google Sans,arial,sans-serif;color:var(–YLNNHc)}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-size:20px;line-height:28px}.cUnQKe .ILfuVd,.cUnQKe .UiGGAb.ILfuVd,.w5mTAe .ILfuVd,.W0urI .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:16px;line-height:24px}.fm06If .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.c2xzTb .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:#d3e3fd;color:#040c28;font-we
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Faktorů ovlivňujících schválení půjčky je mnoho
Poskytovatele, u něhož se rozhodnete zažádat o půjčku, bude nejvíce zajímat vaše způsobilost ke splácení úvěru. Žadatelem o půjčku musí být osoba starší 18 let, která zároveň musí mít stálý zdroj příjmu a musí mít české občanství/trvalý pobyt v ČR.
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nejnižší. A to i přesto, že má v současné době takřka polovina Čechů (46 %) půjčku – nejčastěji se jedná o hypotéku či spotřebitelský úvěr.
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Hypoteční úvěr či hypotéka je dlouhodobý úvěr zajištěný zástavním právem k nemovitosti, která je určena k bydlení, nachází se na území ČR a je zapsaná v Katastru nemovitostí. Obvykle se k zajištění hypotéky využívá financovaná nemovitost, ručit se však může i jiným objektem.
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Co je splátkový úvěr
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Splátkový prodej znamená pořízení si movitého majetku na úvěr přímo u prodejce. Splátkový prodej se nejčastěji používá v situacích, kdy kupující nemá dostatek finančních prostředků na nákup zboží, nábytku, či elektroniky a prodejce nabízí jeho financování pomocí úvěru.
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Revolvingovému úvěru se laicky říká také revolving. Revolvingový úvěr je typem krátkodobého spotřebitelského úvěru, který se automaticky obnovuje bez předchozího opětovného sjednání. U revolvingových úvěrů dostanete stálou finanční rezervu, kterou můžete čerpat až do výše předem dané částky.
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Půjčka na exekuci je doménou výlučně nebankovních společností. V bance se s ní nesetkáte. Pokud je proti žadateli vedena exekuce, je na něj pohlíženo jako na vysoce rizikového a banka mu další peníze z pochopitelných důvodů odmítne půjčit. Jeho žádost tak končí rychlým zamítnutím.
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Co to je revolvingový úvěr
Revolving je úvěr, díky kterému máte k dispozici určité množství peněz na nenadálé výdaje – a to prakticky okamžitě. Můžete je využít podle potřeby a pak je zase bezplatně splatit, čímž se vám limit opět navýší. Tento úvěr můžete čerpat stále dokola, aniž byste museli žádat o novou půjčku.
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Ideální věk pro sjednání první hypotéky je mezi 26 a 35 lety. Hypotéka sjednaná v mladším věku (zpravidla do zmíněných 30 let), má tu výhodu, že ji můžete splácet poměrně dlouho, čemuž odpovídá také přijatelná výše měsíčních splátek.
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Která banka má nejnižší úrok
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Při 90% úvěru jsou nejnižší sazby momentálně v Komerční bance a UniCredit, které mají přibližně stejné sazby jako ty 80%. Samozřejmě platí to pro klienty, kteří jsou mladší 36 let.
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.wDYxhc{clear:both}.cUnQKe .wDYxhc,.related-question-pair .wDYxhc,.M8OgIe .fm06If .wDYxhc{clear:none}html .dG2XIf .xpdclose .LKPcQc,html .dG2XIf .xpdopen .viOShc{padding-top:0;}.garHBe{color:var(–COEmY);font-size:20px;line-height:1.3;position:relative}.garHBe a{color:var(–COEmY)}.xpdopen .Hhmu2e{overflow:inherit}.xpdclose .a84NUc:not(:empty),.xpdopen .CQKTwc:not(:empty){border-top:solid 1px #ebebeb;border-radius:0}.xpdclose .pmYXee .a84NUc:not(:empty),.xpdopen .pmYXee .CQKTwc:not(:empty){border-top:none}.cAn2Qb .a84NUc:not(:empty),.cAn2Qb .CQKTwc:not(:empty){border-top:none}.SHa8ve{display:none}.xpdclose .TOfaBb.SHa8ve,.xpdopen .LL5J7d.SHa8ve{display:block}.rKR6H{padding-top:0.1px}.xpdclose .oHglmf,.xpdopen .xzPb7d{padding-bottom:16px}.xpdclose .kp-header .oHglmf,.xpdopen .kp-header .xzPb7d{padding-bottom:0}.c2xzTb .xpdclose .oHglmf,.c2xzTb .xpdopen .xzPb7d{padding-bottom:0}.HSryR .xpdclose .oHglmf,.HSryR .xpdopen .xzPb7d{padding-bottom:0}.Wnoohf .xpdopen .yp1CPe,.OJXvsb .xpdclose .siXlze{padding-bottom:16px}.Wnoohf .xpdopen .yp1CPe .xpdbox g-more-link{top:28px}.Wnoohf .xpdclose .wDYxhc.xsZWvb,.Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}.OJXvsb .xpdclose .wDYxhc.siXlze{padding-bottom:16px}#rhs .dG2XIf .xpdclose .LKPcQc,#rhs .dG2XIf .xpdopen .viOShc{padding-top:0}#rhs .Wnoohf .xpdopen .yp1CPe,#rhs .OJXvsb .xpdclose .siXlze{padding-bottom:15px}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb.ecRggb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh.ecRggb,#rhs .dG2XIf .ecRggb{padding-bottom:15px}.ecRggb{background-color:#fff;box-shadow:none;border:1px solid #dadce0;border-radius:8px;margin:0 0 16px 0}.u9iNfb{margin-left:-20px}.ZGh7Vc{display:inline-block;margin-top:6px}.di3YZe{font-size:16px;margin-bottom:20px;line-height:1.375;font-family:Google Sans,arial,sans-serif}.RqBzHd{padding:0 20px}.TrT0Xe{margin-bottom:4px}.co8aDb{margin-bottom:12px;}.i8Z77e .TrT0Xe{list-style-type:disc}.X5LH0c .TrT0Xe{list-style:inherit}.truncation-information:link,.truncation-information:visited{color:var(–JKqx2);font-size:14px;line-height:1.58;}.c2xzTb .co8aDb{font-family:Google Sans,arial,sans-serif}.XZAt2e{font-size:14px;display:inline-block;padding-top:10px;margin-left:-20px;}.Od5Jsd{display:inline-block;font-size:12px;line-height:1.34;color:var(–IXoxUe);margin-top:6px}.rvIhN{display:inline-block;font-size:14px;color:var(–IXoxUe);margin-left:5px;margin-right:5px}.FV85tb{font-size:12px;margin-bottom:0;margin-top:4px}.TK6JBe{font-size:12px;font-color:var(–IXoxUe);padding-left:4px}.BqZivd{margin-left:4px;margin-right:4px;font-size:10px}.Q29QOb{padding-right:5px}.FObuKc{border:1px solid var(–mXZkqc);border-radius:8px;margin:0 -20px}.RbVal{text-decoration:underline}.vHWNec{color:var(–bbQxAb);display:flex;padding:8px 16px}.GvDv7e{padding-right:4px}.IiOSLb .rsGxI.Ww4FFb,.Ww4FFb{background-color:var(–xhUGwc);border-radius:0px;border-width:0;box-shadow:none}.Ww4FFb .mnr-c:not(:empty),.mnr-c:not(:empty) .Ww4FFb,.Ww4FFb .Ww4FFb{box-shadow:none;margin-bottom:0px}.vt6azd{margin:0px 0px 8px}.vt6azd{margin:0px 0px 30px}.CBvvz{margin:-var(–sds-sys-measurement–space-sm) 0px 0px}.CBvvz{margin:-30px 0px 0px}Typy hypoték
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h3.LC20lb{overflow:hidden;text-overflow:ellipsis;white-space:nowrap;width:100%}.LC20lb{display:inline-block;line-height:1.3;margin-bottom:3px;}.c2xzTb .LC20lb{margin-bottom:0}.MMgsKf{padding-top:2px}.DKV0Md{padding-top:4px;padding-top:5px;}.Z3xoIb{padding-top:27px;padding-top:28px;}.NXKJM{display:-webkit-box;overflow:hidden;-webkit-box-orient:vertical;-webkit-line-clamp:1}.hceuRc{-webkit-box-orient:vertical;display:-webkit-box;-webkit-line-clamp:2;overflow:hidden}.fzBvHb{font-weight:700}.DKV0Md,.Z3xoIb{margin-top:18px;}.xvfwl{margin-top:4px}.q0vns a.fl{font-size:12px}.TQc1id .qLRx3b{font-size:14px;line-height:1.58}.HGLrXd{display:inline-block;-webkit-text-size-adjust:none}.q0vns{display:inline-block;padding-bottom:2px;padding-top:1px}.NJjxre{position:absolute;left:0;top:0;width:100%}.M8OgIe .VWCdhc.Mjve0e .q0vns{width:max-content}.VjDLd .TieM1d .tjvcx,.IVvPP .tjvcx,.kno-kp .tjvcx,.VjDLd .kp-wholepage-osrp .tjvcx,#rhs .ss6qqb .tjvcx,#rhs .trNcde .tjvcx{display:inline-block;height:19px;overflow-y:hidden}.ojE3Fb{padding:0;padding-bottom:0;}.ojE3Fb .q0vns{display:flex;overflow:hidden;padding:0;padding-bottom:0;align-items:center;}.ojE3Fb .q0vns a.fl{padding-top:0;font-size:12px;line-height:18px;}.GvPZzd{font-size:12px;line-height:18px;}.dTxz9{padding-right:38px}.iG7WGe{color:#202124;padding:0;text-align:center;width:16px}.VuuXrf{color:#202124;font-size:14px;display:block;line-height:20px;white-space:nowrap;}.qncq2c{font-size:12px;line-height:16px;margin-left:6px}.CA5RN{overflow:hidden}.K2VDSb{display:flex;flex-direction:row}.H9lube{background-color:#f1f3f4;border:1px solid #dadce0;border-radius:50%;display:inline-flex;justify-content:center;align-items:center;height:26px;width:26px;margin-right:12px;flex-shrink:0;vertical-align:middle;}.fJOpI.H9lube{background-color:#e2eeff;border:1px solid #e2eeff}.P1UpZb{background-color:#f1f3f4;border:1px solid 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100%}.E4bmEc .Y76LGf{flex:1 1 calc(50% – 4px)}.wDYxhc{clear:both}.cUnQKe .wDYxhc,.related-question-pair .wDYxhc,.M8OgIe .fm06If .wDYxhc{clear:none}html .dG2XIf .xpdclose .LKPcQc,html .dG2XIf .xpdopen .viOShc{padding-top:0;}.garHBe{color:var(–COEmY);font-size:20px;line-height:1.3;position:relative}.garHBe a{color:var(–COEmY)}.xpdopen .Hhmu2e{overflow:inherit}.xpdclose .a84NUc:not(:empty),.xpdopen .CQKTwc:not(:empty){border-top:solid 1px #ebebeb;border-radius:0}.xpdclose .pmYXee .a84NUc:not(:empty),.xpdopen .pmYXee .CQKTwc:not(:empty){border-top:none}.cAn2Qb .a84NUc:not(:empty),.cAn2Qb .CQKTwc:not(:empty){border-top:none}.SHa8ve{display:none}.xpdclose .TOfaBb.SHa8ve,.xpdopen .LL5J7d.SHa8ve{display:block}.rKR6H{padding-top:0.1px}.xpdclose .oHglmf,.xpdopen .xzPb7d{padding-bottom:16px}.xpdclose .kp-header .oHglmf,.xpdopen .kp-header .xzPb7d{padding-bottom:0}.c2xzTb .xpdclose .oHglmf,.c2xzTb .xpdopen .xzPb7d{padding-bottom:0}.HSryR .xpdclose .oHglmf,.HSryR .xpdopen .xzPb7d{padding-bottom:0}.Wnoohf .xpdopen .yp1CPe,.OJXvsb .xpdclose .siXlze{padding-bottom:16px}.Wnoohf .xpdopen .yp1CPe .xpdbox g-more-link{top:28px}.Wnoohf .xpdclose .wDYxhc.xsZWvb,.Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}.OJXvsb .xpdclose .wDYxhc.siXlze{padding-bottom:16px}#rhs .dG2XIf .xpdclose .LKPcQc,#rhs .dG2XIf .xpdopen .viOShc{padding-top:0}#rhs .Wnoohf .xpdopen .yp1CPe,#rhs .OJXvsb .xpdclose .siXlze{padding-bottom:15px}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb.ecRggb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh.ecRggb,#rhs .dG2XIf .ecRggb{padding-bottom:15px}.ecRggb{background-color:#fff;box-shadow:none;border:1px solid #dadce0;border-radius:8px;margin:0 0 16px 0}.Jb0Zif .UiGGAb.ILfuVd,.ILfuVd{font-size:16px;line-height:24px;}.fm06If .ILfuVd.NA6bn,.c2xzTb .ILfuVd.duSGDe,.c2xzTb .ILfuVd.NA6bn.c3biWd{font-size:14px;line-height:1.58;}.c2xzTb .zloOqf{font-size:16px;margin-bottom:16px;margin-top:-8px;}.FLWspc{margin:16px}.LFYdN{font-size:16px;margin:16px}.trNcde .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:14px;line-height:22px}.HSryR .ILfuVd{line-height:1.5}.ss6qqb .ILfuVd,.ss6qqb .UiGGAb.ILfuVd{font-size:14px;line-height:22px}.c2xzTb .qLYAZd{margin:16px 16px 16px 0;}.d9FyLd{padding:0 0 10px}.hgKElc{padding:0 8px 0 0}.kX21rb{font-size:12px;line-height:1.34;display:inline-block;font-family:Google Sans,arial,sans-serif;padding-right:0;white-space:nowrap}.SPV4pd{display:flex;overflow-x:auto}.SPV4pd::-webkit-scrollbar{display:none}.Vjskue{margin-left:8px}.JT9o0,.ZnIJV{align-items:center;border:1px solid var(–mXZkqc);border-radius:16px;box-sizing:border-box;color:#1a73e8;cursor:pointer;display:flex;height:32px;margin-bottom:16px}.BkHX0d{font-family:Google 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.ILfuVd b,.c2xzTb .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:Mark;color:MarkText}}
Hypotéka vs.
K financování nemovitosti se spíše hodí hypotéka, která je z dlouhodobého hlediska výhodnější a můžete jí sjednat i na dobu delší 30 let. Spotřebitelský úvěr se pak hodí ve chvíli, kdy si potřebujete půjčit menší obnos peněz a na kratší dobu. Nejčastěji si peníze můžete vypůjčit až na 10 let.
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Co se stane když nezaplatím splátku úvěru : .wDYxhc{clear:both}.cUnQKe .wDYxhc,.related-question-pair .wDYxhc,.M8OgIe .fm06If .wDYxhc{clear:none}html .dG2XIf .xpdclose .LKPcQc,html .dG2XIf .xpdopen .viOShc{padding-top:0;}.garHBe{color:var(–COEmY);font-size:20px;line-height:1.3;position:relative}.garHBe a{color:var(–COEmY)}.xpdopen .Hhmu2e{overflow:inherit}.xpdclose .a84NUc:not(:empty),.xpdopen .CQKTwc:not(:empty){border-top:solid 1px #ebebeb;border-radius:0}.xpdclose .pmYXee .a84NUc:not(:empty),.xpdopen .pmYXee .CQKTwc:not(:empty){border-top:none}.cAn2Qb .a84NUc:not(:empty),.cAn2Qb .CQKTwc:not(:empty){border-top:none}.SHa8ve{display:none}.xpdclose .TOfaBb.SHa8ve,.xpdopen .LL5J7d.SHa8ve{display:block}.rKR6H{padding-top:0.1px}.xpdclose .oHglmf,.xpdopen .xzPb7d{padding-bottom:16px}.xpdclose .kp-header .oHglmf,.xpdopen .kp-header .xzPb7d{padding-bottom:0}.c2xzTb .xpdclose .oHglmf,.c2xzTb .xpdopen .xzPb7d{padding-bottom:0}.HSryR .xpdclose .oHglmf,.HSryR .xpdopen .xzPb7d{padding-bottom:0}.Wnoohf .xpdopen .yp1CPe,.OJXvsb .xpdclose .siXlze{padding-bottom:16px}.Wnoohf .xpdopen .yp1CPe .xpdbox g-more-link{top:28px}.Wnoohf .xpdclose .wDYxhc.xsZWvb,.Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}.OJXvsb .xpdclose .wDYxhc.siXlze{padding-bottom:16px}#rhs .dG2XIf .xpdclose .LKPcQc,#rhs .dG2XIf .xpdopen .viOShc{padding-top:0}#rhs .Wnoohf .xpdopen .yp1CPe,#rhs .OJXvsb .xpdclose .siXlze{padding-bottom:15px}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh{padding-bottom:0}#rhs .Wnoohf .xpdclose .wDYxhc.xsZWvb.ecRggb,#rhs .Wnoohf .xpdopen .wDYxhc.EfDVh.ecRggb,#rhs .dG2XIf .ecRggb{padding-bottom:15px}.ecRggb{background-color:#fff;box-shadow:none;border:1px solid #dadce0;border-radius:8px;margin:0 0 16px 0}.Jb0Zif .UiGGAb.ILfuVd,.ILfuVd{font-size:16px;line-height:24px;}.fm06If .ILfuVd.NA6bn,.c2xzTb .ILfuVd.duSGDe,.c2xzTb .ILfuVd.NA6bn.c3biWd{font-size:14px;line-height:1.58;}.c2xzTb .zloOqf{font-size:16px;margin-bottom:16px;margin-top:-8px;}.FLWspc{margin:16px}.LFYdN{font-size:16px;margin:16px}.trNcde .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:14px;line-height:22px}.HSryR .ILfuVd{line-height:1.5}.ss6qqb .ILfuVd,.ss6qqb .UiGGAb.ILfuVd{font-size:14px;line-height:22px}.c2xzTb .qLYAZd{margin:16px 16px 16px 0;}.d9FyLd{padding:0 0 10px}.hgKElc{padding:0 8px 0 0}.kX21rb{font-size:12px;line-height:1.34;display:inline-block;font-family:Google Sans,arial,sans-serif;padding-right:0;white-space:nowrap}.SPV4pd{display:flex;overflow-x:auto}.SPV4pd::-webkit-scrollbar{display:none}.Vjskue{margin-left:8px}.JT9o0,.ZnIJV{align-items:center;border:1px solid var(–mXZkqc);border-radius:16px;box-sizing:border-box;color:#1a73e8;cursor:pointer;display:flex;height:32px;margin-bottom:16px}.BkHX0d{font-family:Google Sans,arial,sans-serif-medium,sans-serif;font-size:14px;line-height:20px;padding-right:20px;text-align:center;white-space:nowrap}.xv1D5b{display:block;padding:0 8px 0 12px;width:18px;height:18px}.LGOjhe{overflow:hidden;padding-bottom:20px}.trNcde .LGOjhe{overflow:visible}.SALvLe .LGOjhe,.Jb0Zif .LGOjhe,.HSryR .LGOjhe,.IVvPP .LGOjhe{padding:0 0 10px;margin:10px 0 0 0}.s6JM6d .SALvLe .LGOjhe{margin-top:12px;}.s6JM6d .HSryR .LGOjhe{margin-top:12px;padding-bottom:20px}#res .Jb0Zif .qDOt0b h3,.IVvPP .qDOt0b h3{font-size:16px;line-height:1.375}.Jb0Zif .qDOt0b .iUh30,.IVvPP .qDOt0b .iUh30{font-size:14px;line-height:1.58}.IVvPP .qDOt0b{border-bottom:1px solid var(–gS5jXb);padding-bottom:6px}.rjOVwe.ILfuVd{font-size:16px;line-height:20px}.dG2XIf .rjOVwe{padding-top:22px;padding-bottom:0;margin-bottom:1px}.xWd7I{padding-top:12px;}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{font-size:14px;line-height:22px}.n6SJS .ILfuVd{font-size:14px}.ILfuVd.NA6bn,.ILfuVd.duSGDe,.ILfuVd.UiGGAb,.IVvPP .ILfuVd{line-height:20px}.xpd-wa .g-blk{margin:initial}.xpd-wa .dG2XIf{border:initial;box-shadow:none}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-family:Google Sans,arial,sans-serif;color:var(–YLNNHc)}.fm06If .ILfuVd,.c2xzTb .ILfuVd,.Jb0Zif .c2xzTb .ILfuVd{font-size:20px;line-height:28px}.cUnQKe .ILfuVd,.cUnQKe .UiGGAb.ILfuVd,.w5mTAe .ILfuVd,.W0urI .ILfuVd{color:var(–bbQxAb);font-family:Google Sans,arial,sans-serif;font-size:16px;line-height:24px}.fm06If .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.c2xzTb .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:#d3e3fd;color:#040c28;font-weight:500}@media (forced-colors:active){.fm06If .ILfuVd b,.c2xzTb .ILfuVd b,.trNcde .ILfuVd b,.cUnQKe .ILfuVd b,.w5mTAe .ILfuVd b,.W0urI .ILfuVd b{background-color:Mark;color:MarkText}}.IiOSLb .rsGxI.Ww4FFb,.Ww4FFb{background-color:var(–xhUGwc);border-radius:0px;border-width:0;box-shadow:none}.Ww4FFb .mnr-c:not(:empty),.mnr-c:not(:empty) .Ww4FFb,.Ww4FFb .Ww4FFb{box-shadow:none;margin-bottom:0px}.vt6azd{margin:0px 0px 8px}.vt6azd{margin:0px 0px 30px}.CBvvz{margin:-var(–sds-sys-measurement–space-sm) 0px 0px}.CBvvz{margin:-30px 0px 0px}
den prodlení. Za každý den prodlení zaplatíte také úroky z prodlení ve výši REPO sazby zvýšené o 8 % z dlužné částky. V případě, že se nám nepodaří najít řešení nebo splátku neuhradíte do data uvedeného na poslední upomínce, ztratíte výhodu splátek a zůstatek úvěru budete muset splatit jednorázově.
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